credit score v mortgage

kim_35_2

hi everyone

checked my credit score and last summer it was under 650 and now presently surprised as it has increased to over 800:j:T

Will a lender now consider me for a mortgage? I realise there is more to it but just need advise on the current market

any help would be greatly appretiated:)

GMS

Much more to a mortgage application than a credit score.

Income
Loan amount
Deposit
Credit commitments

To name just a few. If you are unsure about a mortgage you would be advised to speak to a 'Whole of Market' broker

kim_35_2

me and my partner have a joint income of around £30k

Property we like is around £87k and we would prob look for a mortgage around £77k as have around £10k deposit

only credit commitments we have is credit on on a tv and drier approx £650, I have a catalouge which has approx £700 on it and I have a credit card with around £1000 on it. to me that seems alot but we are currently paying them off monthly (and not bad compared to some people) I have a loan that finishes in less than a year

my dad could go guarantor but not sure if that would help us or not

:j

Thrugelmir

Use your savings to clear your debts. That'll improve your status considerably and save you money in the longer term.